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Gadget Insurance

Gadget Insurance

Find a specialist gadget insurance provider that can provide you with a policy to best suit your needs. Compare Gadget Insurance policies covering iPhone, Smart Phones, Tablets, Laptops and more.

    Compare cheap gadget insurance prices

    Whether you’re a fan of Apple’s iPhone and iPad ranges, favour Samsung’s Galaxy smartphones and tablets, have forked out a load of cash for a Google Pixel or a Sony Xperia, or carry an HTC, LG, Motorola, Nokia or Huawei smartphone or tablet everywhere you go, your mobile device will probably have made a decent dent in your wallet.

    That’s why it is worth comparing gadget insurance quotes from specialist mobile phone insurance and tablet insurance providers.

    That way if the worst does happen and your mobile device is lost, damaged or stolen, having the right mobile insurance in place will mean you don’t have to cough up an arm and a leg to repair or replace your device.

    Laptops, Kindles, TVs, smart speakers…and drones

    And of course it’s not just mobile phones and iPads you can protect with gadget cover – any expensive gadget you use at home or on the move can usually be covered by a specialist gadget policy, whether you use the device for work (a laptop, PC, or MacBook), or for pleasure (an LCD TV.

    Do I need Gadget Insurance?

    The short answer is ‘no’. You can, of course, choose not to insure your laptop, tablet or other expensive gadgets.

    The long answer? Investing in a relatively cheap gadget insurance policy for a relatively expensive gadget could be a very wise move, because although our gadgets are high-tech they are usually rather fragile – from water damage to broken phone screens, and from corrupted firmware to cracked phone casings, there are many things that can go wrong, and most will be covered if you have the right gadget cover in place.

    Importantly, if you insure your mobile phone, tablet or other gadget many specialist insurance companies will also be willing to cover loss or theft – useful to know, considering just how valuable many devices are.

    What gadgets can I insure against loss, theft or damage?

    No matter what kind of TV, tablet, laptop, smartphone or other gadget you own, chances are you can find reasonably priced gadget cover to insure it against accidental damage, criminal damage, loss or theft.

    As an example, many specialist gadget insurance providers can provide:

    • Mobile Phone Insurance
    • Blackberry Insurance
    • Bluetooth Headset Insurance
    • Camera Insurance
    • Camera Lens Insurance
    • Drone Insurance
    • eReader Insurance
    • Apple Watch Insurance
    • Amazon Echo Insurance
    • Games Console Insurance
    • Headphones Insurance
    • iPad Insurance
    • iPhone Insurance
    • Samsung Insurance
    • iPod Insurance
    • MP3 Player Insurance
    • Kindle Insurance
    • Laptop Insurance
    • MacBook Insurance
    • Mobile Phone Insurance
    • PDA Insurance
    • TV Insurance
    • Sat Nav Insurance
    • Smart Speaker Insurance
    • Smart Watch insurance
    • Digital Camera Insurance
    • Video Camera Insurance
    • Virtual Reality Headset Insurance

    Basically, if it’s a gadget, you bought it new and it was relatively expensive then you can probably find a gadget cover for it.

    What type of incidents will be covered by my Gadget Insurance?

    There are different types of gadget cover on offer from a wide range of specialist insurance companies, so it would be a wise move to shop around and compare gadget insurance quotes.

    Generally speaking, though, a typical gadget insurance policy might cover:

    • Accidental damage
    • Malicious damage
    • Water damage (including dropping your smartphone down the toilet)
    • Theft
    • Loss
    • Worldwide Cover

    How to get cheaper gadget insurance

    If you’ve made the decision to insure your gadgets there are a number of ways you can get cheaper gadget cover. You should:

    Compare gadget insurance quotes

    As with most insurance products, when it comes to insuring your smartphone, tablet or laptop it pays to shop around and compare a range of quotes.

    Some insurance companies may charge a higher premium if your gadget cover includes loss or theft protection, while others may offer a lower premium but include a higher excess on the policy.

    The key is to decide what level of cover, excess and optional extras best suit your individual needs, and then compare insurance providers to find one that meets those requirements at the cheapest price.

    Consider a higher excess

    Opting for a higher excess can reduce the monthly or annual cost of your gadget cover, since you will be covering a larger portion of the cost if something does happen to your mobile device or other gadget.

    Consider taking out multi-gadget insurance

    Most adults in the UK now own multiple mobile devices, so if you’re insuring one smartphone or laptop it might make sense to take out a multi gadget insurance policy that covers multiple devices.

    Many insurance providers offer significant discounts on multi-gadget insurance, and some will also allow family members to insure all their smartphones and tablets under a single policy, which can also save you money in the long run.

    Still have questions about how or why to insure your gadget? There is a very good chance they are ‘covered’ below.

    Will my gadget insurance cover me if I lose my phone?

    Some specialist gadget insurance companies will insure the loss of a tablet, mobile phone, Kindle or laptop as standard, while most others will allow you to add it to your policy as an optional extra.

    Before you sign on the dotted line it would be a wise move to compare gadget insurance policies and go with the one that offers the best cover at the cheapest price.

    I have contents insurance – will this cover my gadgets?

    Possibly, but it depends on your specific insurance policy.

    For instance, many home insurance providers will insure your TV as standard, and some might also include PlayStation insurance or Xbox One insurance too.

    However, when it comes to insuring your mobile devices, your smartphone, laptop, MacBook or Kindle might be covered by some contents insurance policies while you are using them in your home, but may not be covered if something happens to your gadget while you’re out and about.

    Other contents insurance policies may have a cap on how much they will pay out for any individual item – so if you have a MacBook that cost £1,500, or an iPhone X worth £800, but your home insurance will only cover individual devices up to a maximum value of £500 then you are going to be out of pocket if the worst does happen.

    The best plan of action is to review what is included and excluded from your current home insurance policy, and then decide if you need to also take out specialist gadget cover.

    But remember, you cannot claim for the same loss, theft or damage on two different insurance policies, so you should take care when deciding how much cover you need.

    Will my gadget be repaired or replaced if something goes wrong?

    If your mobile phone, computer or tablet is damaged and there is a good chance it can be repaired (for example, if it simply has a smashed screen), then your gadget cover may mean the device will be repaired rather than replaced.

    On the other hand, if the damage is too severe, or if your device is lost or stolen and your policy covers that, then the insurance provider will likely arrange for you to receive a replacement device.

    However, it would be worth double checking whether your individual policy will cover your device new-for-old, meaning you would receive a brand new device in the closest currently-available model.

    Can I insure a second hand mobile phone, tablet or laptop?

    Most insurance providers will only be willing to insure mobile phones and other electronic gadgets that you purchased new. This is because second hand devices carry a much higher risk of suffering a technical fault, so it isn’t in the insurance company’s interests to insure this type of device.

    The one exception is if the mobile device or other gadget you bought had been reconditioned by the manufacturer immediately prior to you purchasing it. In those cases, some insurance providers might be willing to insure your device, albeit at a lower value than a brand new gadget.

    It is worth pointing out, though, that if you did buy a second hand device you might be able to include it on your home insurance.

    Gadget Insurance